Tran Duc Le

Manh Chien Vu, Thang Le Dinh, Manh Chien Vu et al.

The adoption of artificial intelligence (AI) offers transformative potential for small and medium-sized enterprises (SMEs), particularly in enhancing financial decision-making processes. However, SMEs often face significant barriers to implementing AI technologies, including limited resources, technical expertise, and data management capabilities. This paper presents a conceptual model for the adoption of AI in financial decision-making for SMEs. The proposed model addresses key challenges faced by SMEs, including limited resources, technical expertise, and data management capabilities. The model is structured into layers: data sources, data processing and integration, AI model deployment, decision support and automation, and validation and risk management. By implementing AI incrementally, SMEs can optimize financial forecasting, budgeting, investment strategies, and risk management. This paper highlights the importance of data quality and continuous model validation, providing a practical roadmap for SMEs to integrate AI into their financial operations. The study concludes with implications for SMEs adopting AI-driven financial processes and suggests areas for future research in AI applications for SME finance.

Phuc Hao Do, Tran Duc Le

Applying near-term variational quantum algorithms to the problem of dynamic satellite network routing represents a promising direction for quantum computing. In this work, we provide a critical evaluation of two major approaches: static quantum optimizers such as the Variational Quantum Eigensolver (VQE) and the Quantum Approximate Optimization Algorithm (QAOA) for offline route computation, and Quantum Reinforcement Learning (QRL) methods for online decision-making. Using ideal, noise-free simulations, we find that these algorithms face significant challenges. Specifically, static optimizers are unable to solve even a classically easy 4-node shortest path problem due to the complexity of the optimization landscape. Likewise, a basic QRL agent based on policy gradient methods fails to learn a useful routing strategy in a dynamic 8-node environment and performs no better than random actions. These negative findings highlight key obstacles that must be addressed before quantum algorithms can offer real advantages in communication networks. We discuss the underlying causes of these limitations, including barren plateaus and learning instability, and suggest future research directions to overcome them.